Travel Insurance Specialists – TravelHealth Medical Plan

Application & Brochure Policy Wording

PLAN HIGHLIGHTS FOR THE 2020–2021 SEASON

LIMITED TIME OFFER (see details below)
NO-CLAIM Deductible Reduction (see below for details)
COVID-19 Pandemic Coverage options (see details below)
Up to $2,000,000 of Coverage for emergency medical services not related to COVID-19
Available up to age 94
Many deductible options: US$0, US$350, US$500, US$1,000, US$5,000 and US$10,000
Reduced pre-existing condition stability option
1 Month Stability Option if you had a recent medication change
Annual Multi-Trip plans available up to 62 days per trip for most plans and ages
Annual Multi-Trip policies include coverage for trips in Canada (outside your province)
Retiree Plan Top-up coverage available for no extra charge if you purchase at least 35 days of additional coverage for a single trip
Major Event Return Home benefit included with your Single Trip or Annual Multi-Trip policy
Optional ADD-ON BUNDLE which includes the following benefits: Medical Follow-Up Visit, Protect your No-Claim Deductible Reduction, Dollar limit increase for certain Benefits. See the policy for full details.
We accept cancellations and early return refund requests via telephone, mail, email or fax
Direct Payment to Hospitals and other providers where possible
A daily rate plan – pay only for the days you need
No Top-up fees

LIMITED TIME OFFER

Lock in your rates when you pay your required premium by December 3, 2020
and choose ONE of the following offers:

Reduce your DEDUCTIBLE to

US$75 AT NO-CHARGE

(worth 5%)

Get the ADD-ON BUNDLE

AT NO-CHARGE

(worth $45)

Insuring Canadian Seniors for over 25 Years

COVID-19 Pandemic Coverage
The TravelHealth Medical Plan gives you an option when it comes to COVID-19 coverage.

The policy provides up to $100,000 coverage due to COVID-19 emergencies. Benefits include coverage for testing, outpatient services, and doctor's office / clinic visits. If you are quarantined outside of Canada due to a positive COVID-19 test outside of Canada, up to $2,500 (maximum of $200 per day) for quarantine related expenses plus up to a total of 17 total days of automatic extension of coverage at no extra cost. Also, emergency assistance services to return you to Canada by the most economical means are provided.

Full policy benefit limits, up to $2,000,000, will be provided with the purchase of the Upgraded COVID-19 Coverage option which will include inpatient services, in addition to the above benefits. See the policy for full details.

DEDUCTIBLE REDUCTIONS

If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your US$350 standard deductible will be reduced to US$300 when purchasing the TravelHealth Medical Plan this season. Also, if you did not report a claim in the last 2 consecutive seasons, your deductible will be reduced to US$250; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to US$200 or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to US$150.

Also, if you have a deductible of US$75 or more, you can get a US$50 reduction on that deductible if you visit a stand alone clinic or doctor's office instead of a hospital or any emergency room.

Benefits for Emergencies

We provide coverage up to $2 Million per person per claim for emergency medical services.

Benefits Summary

MAXIMUM LIMIT UP TO

(in Canadian Dollars)
MAXIMUM LIMIT UP TO

(in Canadian Dollars)

EMERGENCY MEDICAL SERVICES not related to COVID-19

$2,000,000

COVID-19 outpatient care

$100,000

Optional: Upgraded coverage for COVID-19 inpatient care

$2,000,000
Emergency Ambulance Transportation

Eligible expenses
Private Nursing

$5,000
Emergency Dental Due to an Accidental Blow to the Mouth

$2,000
Emergency Relief of Dental Pain

$300
Major Event Return Home

$3,000
Vehicle Return

$2,500
Emergency Return Home

Eligible expenses
Expenses Related to Your Death

$5,000
Removal of a Cast or Stitches after an Emergency

$300
Child Return Under Your Care

Eligible expenses
Subsistence Allowance

$1,500
Bedside Companion Travel Care

Eligible expenses
Emergency Paramedical/Professional Services

$250 per practitioner
24 Hour Worldwide Emergency Medical Assistance

NOTE: All premiums, benefits, and maximum amounts payable are quoted in Canadian dollars unless otherwise specified. All deductibles are in US dollars (US$) and apply to each claim occurrence.

See the policy for full details.

Deductible Choices (Optional)

The policy has a US$350 deductible per claim. You have the option to change your deductible to ZERO, US$500, US$1,000, US$5,000, or US$10,000.

Buy down your pre-existing condition stability period (Optional)

The pre-existing condition stability period that you qualify for (either 3 months or 12 months) is based on the plan that you qualify for. If you qualify for a pre-existing condition stability period of 12 months prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 3 months. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 3 months prior to the departure date of any trip.

Also, if you had a replacement, elimination or an increase/decrease in dosage or frequency of a medication that was prescribed more than 3 months prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 1 month prior to any departure date.

Marketed by Travel Insurance Specialists
Snowbird medical insurance experts for over 25 years

Underwritten by Industrial Alliance Insurance and Financial Services Inc.